智通财经APP获悉，香港金管局副总裁阮国恒表示，2026年的重点工作中，管理信贷风险仍然是首位， 资产质量压力来源主要来自香港商业房地产，该行业未偿还贷款总额占总体的14%，今年会继续要求银 行贷款质素、企业流动性等指标，及早识别相关风险和做好拨备。 他又称，中小企、交通、建筑业同样受压，但占比金额较少。针对营运压力较大的中小企，香港金管局 指出，旗下中小企融资专责小组，今年工作重点是推动银行一系列支持措施，以及提供更多融资渠道， 协助中小企向绿色、数码化升级转型及进一步开拓市场。 2025年底，香港银行特定分类贷款比率为2.01%，按季升0.03个百分点。阮国恒认为，过去1年银行业财 务稳健，相关升幅并不显著，而且银行已经有充足拨备，同时，行业利润亦同比升7%，意味着整体信 贷风险仍然可控。 2025年，香港银行业贷款录低单位数增长，阮国恒说，和业界沟通后得悉，1月份信贷需求不俗，业界 普遍对今年信贷需求保持乐观。 ...

Core Viewpoint - The company is enhancing its management of overdue loans to mitigate credit risks and improve asset quality through various measures such as performance incentives, precise classification strategies, and layered management [1][2] Group 1: Performance Incentives - The company has included overdue loan recovery in the 2026 "New Year Kickoff" labor competition, focusing on both newly formed and existing overdue loans to encourage proactive recovery efforts [1] - The assessment criteria will emphasize the progress and effectiveness of recovering past overdue loans, motivating institutions to increase their recovery efforts [1] Group 2: Precise Classification and Task Assignment - The credit management department will lead a thorough review of each branch's situation to scientifically and reasonably assign specific recovery targets for overdue loans, ensuring clarity in objectives and accountability [1] Group 3: Reward and Accountability Mechanism - The company is adjusting its reward and punishment mechanisms to focus more on rewards, aiming to boost employee motivation while holding accountable those who fail to follow established procedures [1] - Employees who diligently fulfill their responsibilities will be granted exemptions from penalties, promoting a culture of diligence and responsibility [1] Group 4: Layered Management - A layered management system for overdue loans has been implemented, with the head office focusing on large overdue loans (over 500,000 yuan) while branch managers are responsible for smaller overdue loans [2] - This approach aims to concentrate resources on resolving significant overdue loans while ensuring accountability at the branch level for smaller amounts [2]